Five-Star Business And CSL Finance Good to Excellent Results, Aurionpro Solutions Partnership
Five-Star Business Ltd.
Recent filing: (GOOD TO EXCELLENT RESULTS) For the quarter ending Jun-24 for Five-Star Business, Sales up 39% YoY from INR 480 Cr in Jun-23 to INR 666 Cr in Jun-24. Similarly, Net Profit up 37% from INR 184 Cr to INR 252 Cr. On a QoQ basis, Sales up 8% and Net Profit up 7%.
SUMMARY: 6y Operating Profit uptrend | 7q Operating Profit uptrend | PE 25x (Sector PE range 20-40) | Excellent Jun-24 results | Institutional Entry | Fund raise | NBFC
- MCap of INR 22,531 Crore (share price = INR 770 / share) (as on 1st Aug ‘24)
- TTM PE of 25x (as on 1st Aug ‘24) Retail float = 3.9% (Jun-24)
FOOD FOR THOUGHT: Promoters have reduced stake from 34.4% in Jun-23 to 26.5% in Jun-24.
Q1. What are the Products and Services offered by Five-Star Business?
Company provides secured loans to micro-entrepreneurs and self-employed individuals for business purposes, as well as for asset creation such as home renovation or improvement, or for meeting expenses for significant economic events such as marriage, healthcare and education.
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CSL Finance Ltd.
Recent filing: (GOOD TO EXCELLENT RESULTS) For the quarter ending Jun-24 for CSL Finance, Sales up 46% YoY from INR 35 Cr in Jun-23 to INR 51 Cr in Jun-24. Similarly, Net Profit up 38% from INR 13 Cr to INR 18 Cr. On a QoQ basis, Sales up 9% and Net Profit down 5%.
SUMMARY: 5y Operating Profit uptrend |7q Operating Profit uptrend | PE 16.3x (Sector PE range 20-40) | Excellent Jun-24 results | Fund Raise | Institutional Entry
FUTURE OUTLOOK: As per Q4FY24 concall, Company expecting an AUM of up to INR 1,450 Cr for FY25.
- MCap of INR 1,116 Crore (share price = INR 490 / share) (as on 1st Aug ‘24)
- TTM PE 16.3x (as on 1st Aug ‘24) Retail float = 13.8% (Jun-24)
FOOD FOR THOUGHT: Sat Paul Gupta (Promoter) sold share worth INR 3 Cr.
Q2. What are the Products and Services offered by CSL Finance?
CSL Finance is a non-deposit taking NBFC involved in wholesale and SME lending. Wholesale loan is to cater to the needs of real estate developers. Retail loan is collateral based business loans to MSME’s small traders, manufacturers and salaried professionals.
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Aurionpro Solutions
Recent filing: (PARTNERSHIP) Aurionpro Solutions has announced a strategic win with a leading bank in Malaysia to modernize its corporate processes. The deal is valued close to US\$ 3 million and is expected to be implemented over a 15 months period. The bank has chosen Integro Technologies, subsidiary of Aurionpro, to transform its loan origination system with SmartLender, a cutting-edge commercial loan origination solution.
SUMMARY: 3y Operating Profit uptrend | 7q Operating Profit uptrend | PE 59.3x (Sector PE range 30-50) | Excellent Jun-24 results | Fund raise | Institutional entry | Acquisition | Partnership | New-age IT
FUTURE OUTLOOK: As per the Q1FY25 Investor Presentation, management demand environment for Company’s core offerings remains strong and it is well placed to deliver on its guidance of 30-35% growth for FY25. Company has a large order book of INR 1000 Cr+.
- MCap of INR 9,140 Crore (share price = INR 1,655 / share) (as on 1st Aug ‘24)
- TTM PE of 59.3x (as on 1st Aug ‘24) Retail float = 10.3% (Jun-24)
FOOD FOR THOUGHT: Foreign exchange fluctuation risk – 75% of revenues come from Asia Pacific and 25% from rest of the world with transactions denominated in USD.
Q3. What are the Products and Services offered by Aurionpro Solutions?
Aurionpro is the convergence of advanced technology solutions that help enterprises accelerate Digital Innovation - securely and efficiently. It is 'One Platform', guiding businesses to ADAPT to a new paradigm in Digital Transformation across Banking Transportation, Logistics, and Government sectors.
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